At Spotter Loans, we specialise in providing short-term loans to help you overcome financial challenges. Unlike a typical personal loan that may span over 5 years, our short-term loans offer shorter repayment periods, allowing you to fulfill your financial obligations within a shorter timeframe.

Our loan amounts range from $2,100 to $50,000, and we offer flexible repayment periods between 6 months and 52 months depending on the size of the loan and your specific need. For example, you may choose to pay $3,000 loan back over 6 months or 18 months depending on your situation. There are no penalties for paying out the loan early.

Applying for a short-term loan with Spotter Loans is quick and straightforward. Our user-friendly online application process allows you to submit your information electronically, saving you time and eliminating the need for extensive paperwork. Once we have received all the necessary details, our dedicated team will assess your application within one hour during regular business hours.
We take pride in offering the following services to meet your financial needs:

  1. Flexibility in Repayment Options: We understand that everyone’s financial situation is unique. With our short-term loans, you have the flexibility to choose a repayment period that suits you best.
  2. Convenience of Online Application: Say goodbye to cumbersome paperwork. Our streamlined process allows for a hassle-free experience. By completing the entire application electronically using your smartphone or computer, you can save valuable time and effort.
  3. Penalty-Free Early Repayment: We empower you to take control of your financial journey. With Spotter Loans, you can repay your loan early without any penalties or additional fees. This gives you the freedom to manage your loan on your terms and potentially save on interest costs.

We understand that past financial challenges may have impacted your credit rating. However, at Spotter Loans, we assess each application on its merits. While we may review your credit record, having poor credit or outstanding defaults may not necessarily hinder your eligibility for a short-term loan. We believe in providing financial solutions for individuals who may be credit impaired, ensuring that everyone has access to the support they need.

Our commitment to exceptional customer service extends beyond the application process. We are here to work with you throughout your loan term, ensuring that your repayments remain affordable and manageable. If circumstances change or if you require any clarification, our team is readily available to assist you.

Applying for a short-term loan with Spotter Loans is fast, easy, and reliable. Take advantage of our competitive interest rates and transparent terms. Simply click on the “apply now” button to begin your application process. If you have any questions or need further assistance, you can reach us at 1800 776 863 or submit an online enquiry. Experience the convenience and peace of mind that comes with our short-term cash loans designed to meet your unique financial needs.

Apply to borrow up to $50,000 now!

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Here’s what a loan might look like

Here’s what a medium loan might look like…

You’re after a loan for car repairs for $2,500 and are looking to make payments back on a weekly basis over 2 years.

Medium Loan Example

$2,500
Loan Amount
104 X $43.19 = $4,490.88
Repayments Per Week Total Payments
Loan length: 104 weeks
In the above example You’ll pay:
  • Loan Amount Financed: $2,500
  • Establishment fee: $400 (Set by NCCP)
  • Amount of Credit of the Loan: $2,900
  • Total Amount of Interest Payable: $1,590.86
  • Repayments: 103 x $43.19 + $42.31 (a final payment)
  • Total Amount of Repayments: $4,490.88
  • Nominal Percentage Rate (Interest) per annum: 48% as defined by NCCP
  • Minimum loan period: 61 days
  • Maximum loan period: 2 years

Comparison Rate: 65.5138% as defined by NCCP

WARNING: This comparison rate is accurate and applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

See our full Fee Statement for fee details.

“These examples are provided for illustrative purposes only. They do not represent an offer from Rate Detective Pty Ltd. A Spotter Loan is subject to the completion of an application, which is subject to responsible lending checks that take your personal needs and financial circumstances into account.”